| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & CO LLC | 20 COMMERCE DR SUITE 200 CRANFORD, NJ 07016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $53K | — | $53K | 15.09% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $20K | $20K | 5.75% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & CO LLC | 20 COMMERCE DRIVE STE 200 CRANFORD, NJ 07016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $3K | — | $3K | 4.96% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $3K | — | $3K | 3.98% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & COMPANY | 20 COMMERCE DRIVE STE 200 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.51% |
| HERBERT L. JAMISON & CO. LLC3 | 20 COMMERCE DRIVE FL 2 CRANFORD, NJ 070163612 | VISION SERVICE PLAN | $974 | — | $974 | 5.68% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & COMPANY | 20 COMMERCE DRIVE STE 200 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.78% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & COMPANY | 20 COMMERCE DRIVE STE 200 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $209 | — | $209 | 12.03% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 141 | $349K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 109 | $67K |
| Vision | VISION SERVICE PLAN | 75 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $13K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $20K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.